“Smooth, transparent, stress-free.”
“From the first consultation to closing, the entire process was smooth and transparent. Ryan explained every step and was always available.”
— Rachelle
Starting a New Medical Role?
Secure Your Home Before Day One.
Exclusive mortgages for relocating physicians. Qualify with your signed contract — no pay stubs, no PMI, flexible DTI. Close on your timeline, even with student loans.
- Often no pay stubs required
- No PMI options available
- Flexible DTI
Quick 60-Second Eligibility Check
No hard pull. We’ll outline options in ~24 hours.
✅ Thanks — we’ve got your info.
We’ll review your eligibility and send options within ~24 hours based on your contract and start date.
Why Physicians Choose Ryan
Ryan Lehrman · Senior Mortgage Banker · NMLS #235295 · BMO Bank
20+ years helping physicians relocate with contract-based approvals, no-PMI options, and on-time closings.
Move In Before Your First Paycheck
Qualify with your signed employment contract — no pay stubs needed.
Qualify with your signed employment contract — no pay stubs needed.
Close Before Orientation
We coordinate documents & timelines so you start your role stress-free.
We coordinate documents & timelines so you start your role stress-free.
Student-Debt Friendly
Programs designed for high med-school debt with flexible DTI calculations.
Programs designed for high med-school debt with flexible DTI calculations.
Private, Responsive, Human
Direct access to Ryan for quick answers — no call centers.
Direct access to Ryan for quick answers — no call centers.
How It Works
60-second check — role, contract & timeline.
Options typically in ~24 hours — including low/no-down and no-PMI programs.
Close before orientation — we handle docs & timelines so you can focus on patients.
What Physicians Say
Contract-Only Approval
“Used only my signed contract before first paycheck. Process was fast and clear. Closed in 21 days with no PMI.”
— Dr. L., Phoenix AZ
Above & Beyond
“Incredibly responsive and knowledgeable. Flagged an option I hadn’t considered that helped me secure the home I wanted.”
— P. T.
Top 5 Questions Physicians Ask
Can I qualify with just a signed contract (no pay stubs)?
Yes. Contract-based approvals are common for residents, fellows, and attendings relocating before their first paycheck.
How much down — and do I have to pay PMI?
Low/no-down options available. Many physician programs waive PMI below 20% down.
How are student loans treated for DTI?
Physician-friendly DTI can account for IBR/PAYE payments or adjusted factors instead of the 1% balance rule.
Can I close before orientation while I’m out of state?
Yes. We coordinate remote document signing and timelines so you can arrive and move in on schedule.
Fixed or ARM for a relocation?
We’ll compare both against your contract, timeline, and risk profile — then recommend the fit.
Prefer to Talk First?
📞 (480) 221-3781 · Direct access — no call centers.
Ryan Lehrman · Senior Mortgage Banker · NMLS #235295 · BMO Bank · Equal Housing Lender. All loans subject to credit approval. Program terms, eligibility, and down-payment options vary by state and borrower profile. © 2025.
Equal Housing Lender